Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$18,245Cash toward the purchase price.
Closing costs + prepaids$14,744Not just lender fees.
Before credits & paid funds$32,989The complete starting cash picture.
Estimated remaining funds due at closing
$32,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,245.21
Your down payment$18,245.21
Closing costs + prepaids$14,743.64
Total buyer cash needed$32,988.85
Remaining funds due$32,988.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,483.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$618.00
Initial HOA (3 months)$75.00
Prepaid interest, first (12 days)$948.87
Fees + prepaids$14,743.64
Your down payment is the seller’s equity. You take over the $496,755 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $32,988.85 is due at closing. Uses and sources reconcile at $529,743.64 each. Not a Closing Disclosure.